topic Re: EQ FICO Score Update in General Credit Topics

EQ FICO Score Update

Anonymous — Fri, 03 Feb 2012 23:01:44 GMT

So after my recent App Spree I didn't get any EQ FICO score from Chase or Citi I am subscribed to EQ Complete Premier Plan and at first the EQ score was close to my EQ FICO score. At one point my EQ score was 720 but after the app spree it went down to like 650 and now is at 682. I have been wanting to know my EQ FICO score but haven't wanted to pay for it. Today I decided to call EQ and ask for free FICO score since their score doesn't help me when I want to apply for new credit. The person obliged and my FICO score is 743!

Re: EQ FICO Score Update

LS2982 — Fri, 03 Feb 2012 23:02:56 GMT

@Anonymous wrote:
So after my recent App Spree I didn't get any EQ FICO score from Chase or Citi I am subscribed to EQ Complete Premier Plan and at first the EQ score was close to my EQ FICO score. At one point my EQ score was 720 but after the app spree it went down to like 650 and now is at 682. I have been wanting to know my EQ FICO score but haven't wanted to pay for it. Today I decided to call EQ and ask for free FICO score since their score doesn't help me when I want to apply for new credit. The person obliged and my FICO score is 743!

Sweet congrats!!

Re: EQ FICO Score Update

Anonymous — Fri, 03 Feb 2012 23:04:57 GMT

@LS2982 wrote:
@Anonymous wrote:
So after my recent App Spree I didn't get any EQ FICO score from Chase or Citi I am subscribed to EQ Complete Premier Plan and at first the EQ score was close to my EQ FICO score. At one point my EQ score was 720 but after the app spree it went down to like 650 and now is at 682. I have been wanting to know my EQ FICO score but haven't wanted to pay for it. Today I decided to call EQ and ask for free FICO score since their score doesn't help me when I want to apply for new credit. The person obliged and my FICO score is 743!

Sweet congrats!!

Thanks! Thinking about another round of apps before I go into garden mode for 6 months

Re: EQ FICO Score Update

LS2982 — Fri, 03 Feb 2012 23:05:42 GMT

@Anonymous wrote:
@LS2982 wrote:
@Anonymous wrote:
So after my recent App Spree I didn't get any EQ FICO score from Chase or Citi I am subscribed to EQ Complete Premier Plan and at first the EQ score was close to my EQ FICO score. At one point my EQ score was 720 but after the app spree it went down to like 650 and now is at 682. I have been wanting to know my EQ FICO score but haven't wanted to pay for it. Today I decided to call EQ and ask for free FICO score since their score doesn't help me when I want to apply for new credit. The person obliged and my FICO score is 743!

Sweet congrats!!
Thanks! Thinking about another round of apps before I go into garden mode for 6 months

Which cards are you going for?

Re: EQ FICO Score Update

Anonymous — Fri, 03 Feb 2012 23:07:59 GMT

I want to get the USAA Military Affiliate Card, US Bank Platinum Card, DCU Membership and Platinum Credit Card. Also want a CLI on my Citi Thank You Preferred and Best Buy Store Card

Re: EQ FICO Score Update

LS2982 — Fri, 03 Feb 2012 23:10:57 GMT

@Anonymous wrote:
I want to get the USAA Military Affiliate Card, US Bank Platinum Card, DCU Membership and Platinum Credit Card. Also want a CLI on my Citi Thank You Preferred and Best Buy Store Card

You should get a nice CL on a BBRZMC.

Re: EQ FICO Score Update

MarineVietVet — Fri, 03 Feb 2012 23:12:04 GMT

@Anonymous wrote:
So after my recent App Spree I didn't get any EQ FICO score from Chase or Citi I am subscribed to EQ Complete Premier Plan and at first the EQ score was close to my EQ FICO score. At one point my EQ score was 720 but after the app spree it went down to like 650 and now is at 682. I have been wanting to know my EQ FICO score but haven't wanted to pay for it. Today I decided to call EQ and ask for free FICO score since their score doesn't help me when I want to apply for new credit. The person obliged and my FICO score is 743!

As a reminder this product uses the Equifax Credit Score and is not an EQ FICO score. I say that to alert others reading this not to rely on the EQ Complete Premier Plan to give you FICO scores.

Equifax will still sell you a FICO score found here: www.equifax.com/web-myfico-products/

From a BK years ago to:
EX - 3/11 pulled by lender- 835, EQ - 2/11-816, TU - 2/11-782

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".

Re: EQ FICO Score Update

Anonymous — Fri, 03 Feb 2012 23:25:41 GMT

@MarineVietVet wrote:
@Anonymous wrote:
So after my recent App Spree I didn't get any EQ FICO score from Chase or Citi I am subscribed to EQ Complete Premier Plan and at first the EQ score was close to my EQ FICO score. At one point my EQ score was 720 but after the app spree it went down to like 650 and now is at 682. I have been wanting to know my EQ FICO score but haven't wanted to pay for it. Today I decided to call EQ and ask for free FICO score since their score doesn't help me when I want to apply for new credit. The person obliged and my FICO score is 743!

As a reminder this product uses the Equifax Credit Score and is not an EQ FICO score. I say that to alert others reading this not to rely on the EQ Complete Premier Plan to give you FICO scores.

Equifax will still sell you a FICO score found here: www.equifax.com/web-myfico-products/

From a BK years ago to:
EX - 3/11 pulled by lender- 835, EQ - 2/11-816, TU - 2/11-782

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".

Yes I am fully aware the EQ Complete doesn't include the FICO score and that is why I called them today asking to give me the FICO score for free so I could compare it to their EQ score they give me with my monitoring service. I was shocked by the difference...a 61 point difference. Now I really want to become a member of DCU to get the free monthly FICO score

Re: EQ FICO Score Update

MarineVietVet — Fri, 03 Feb 2012 23:30:06 GMT

@Anonymous wrote:

Yes I am fully aware the EQ Complete doesn't include the FICO score and that is why I called them today asking to give me the FICO score for free so I could compare it to their EQ score they give me with my monitoring service. I was shocked by the difference...a 61 point difference. Now I really want to become a member of DCU to get the free monthly FICO score

And that's why I wrote: I say that to alert others reading this not to rely on the EQ Complete Premier Plan to give you FICO scores. Just because you might be aware of this doesn't mean brand new members will get the connection.

Re: EQ FICO Score Update

Anonymous — Fri, 03 Feb 2012 23:43:14 GMT

You are right my apologies

Re: EQ FICO Score Update

Revelate — Sat, 04 Feb 2012 07:13:28 GMT

@Anonymous wrote:
@MarineVietVet wrote:
@Anonymous wrote:
So after my recent App Spree I didn't get any EQ FICO score from Chase or Citi I am subscribed to EQ Complete Premier Plan and at first the EQ score was close to my EQ FICO score. At one point my EQ score was 720 but after the app spree it went down to like 650 and now is at 682. I have been wanting to know my EQ FICO score but haven't wanted to pay for it. Today I decided to call EQ and ask for free FICO score since their score doesn't help me when I want to apply for new credit. The person obliged and my FICO score is 743!

As a reminder this product uses the Equifax Credit Score and is not an EQ FICO score. I say that to alert others reading this not to rely on the EQ Complete Premier Plan to give you FICO scores.

Equifax will still sell you a FICO score found here: www.equifax.com/web-myfico-products/

From a BK years ago to:
EX - 3/11 pulled by lender- 835, EQ - 2/11-816, TU - 2/11-782

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".
Yes I am fully aware the EQ Complete doesn't include the FICO score and that is why I called them today asking to give me the FICO score for free so I could compare it to their EQ score they give me with my monitoring service. I was shocked by the difference...a 61 point difference. Now I really want to become a member of DCU to get the free monthly FICO score

It's only really beneficial for us score addicts... it (DCU's score) effectively lags by a month in my case since it reports on the first, and my balances and tradelines don't update until slightly after the 10th.

Oh yay I went up 7 points after my initial tradeline establishment, whee?!?

I had an old checking account that I was able to re-activate there, and since I wanted another secured card anyway I just applied for one there instead of USAA (my original choice)... it was more cumbersome than necessary and the score turned out to be anti-climatic.